Indemnity Dental Insurance

Is this a good Dental Insurance plan and is Dental insurance worth it?

My only problems are my wisdom teeth are crowding my front teeth and a plaque is starting to build. The dental insurance costs $748 annually and is for my wife and I. Annual Deductible* Individual $50 Family $150 Preventive Service Covered Percent 100% Basic Service Covered Percent 80% Major Service Covered Percent 50% Annual Benefits Maximum $750 Office Visit Copay N/A Orthodontic Services Not Covered Orthodontic Deductible N/A Orthodontic Lifetime Maximum N/A *The deductible applies to Basic and Major services only. Partial List of Plan Provisions Indemnity Preventive Oral examinations* 100% Cleanings, including scaling and polishing* (Adult/Child) 100% Fluoride* 100% Sealants (permanent molars only)* 100% Bitewing X-rays* 100% Full-mouth series X-rays* 100% Space maintainers 100% Basic Root canal therapy, with X-rays and cultures Anterior teeth/Bicuspid teeth 80% Amalgam (silver) fillings 80% Composite fillings (anterior teeth only) 80% Stainless steel crowns 80% Scaling and root planing* 80% Gingivectomy 80% Incision and drainage of abscess 80% Uncomplicated extractions 80% Surgical removal of erupted tooth 80% Surgical removal of impacted tooth (soft tissue) 80% Major Root canal therapy, molar teeth, with X-rays and cultures 50% Osseous surgery* 50% Surgical removal of impacted tooth (partial bony/ full bony) 50% General anesthesia/intravenous sedation 50% Inlays 50% Onlays 50% Crowns 50% Full and partial dentures 50% Denture repairs 50% Pontics 50%

Public Comments

1. Is the annual benefits maximum per patient or per policy? If it's per policy then you're making two dollars since it costs $748 and the annual maximum is $750. Plus it has an annual deductible of $150.00. That means you have to spend $150 before you can even see any money back. Better idea would of been a HSA (Health Saving Account) thorugh your employer if possible. You could of took the 750 plus 150 deductible and put it in the account. The full amount of money would of been available Jan. 2nd. You would also reap the benefits of before-tax savings so the $900 would of really only cost you $675.00 assuming you're in a 25% tax bracket. At first glance it doesn't seem like that good of a plan. Even though they say they cover major work at 50% any major work would probably run up to the annual max and you wouldn't receive 50% reimbursement. You're the one that will have to determine if the benefits are worth the money. You know better than anybody how you're wisdom teeth are. Will they have to be removed this year or a few years down the road. If it's a simple extraction thats appx $150-$200 per tooth. Will they all need to come out or just 1? Plaque would be handled by a simple cleaning. $75.00 - $125.00. You will have to do the math and make the determination. Good Luck. ps: How are your wisdom teeth crowding you front teeth? Wisdom teeth are the very last tooth in the back - right, left, up and down.